I have ordered a 16oz kilt from the great kilt shop in dress Thompson, my second kilt from them will be in this month, in McTavish modern. The quality is outstanding as far as I can tell from my limited experiance with buying kilts. The way the payment plan goes (which is what I used) is $75.00 down and then monthly payments of $60.00 until the balance is paid. As soon as they get the kilt in from Scotland, she ships it directly to you. You do not have to wait for it to be paid off. Usually it is about 6-8 weeks for the kilt to arrive in her store, and then just shipping time to your location. The wool is top notch from Locharren and excellent quality. I feel that you would not be disappointed with going this route. Just my 2 cents anyway.
BTW, I am at work now an do not have any pictures of me kilted, but will try to post some tonight or tommorrow morning for you.